The Crazy Un-affordable Care Act

Bill Clinton’s comment this week about Obama Care being a crazy system is shocking to me. Although he is 100% accurate in his assessment of the problem, i.e. giving low income people health care insurance at the expense of higher income people who can no longer afford it. I wrote about this during the time the Congress was setting us up for the kill. At the time, the country was living in a drunken stupor about the wonders of socialized medicine. Now we have a situation where those who were able to afford insurance can no longer pay the exorbitant fees attached to it, but those who previously couldn’t afford it now get it almost free.

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During the build-up to Obama Care, Bill Clinton stood before the American public and proclaimed that Congress should pass anything no matter how bad, and then fix it after the fact. I guess by calling the ACA a crazy system he is saying it is time to fix it.

There is more news on this front. I watched Ezekiel Emanual the architect of the ACA in an interview with Megan Kelly. She asked how the ACA will deal with all the people who opted to pay the penalty because it was cheaper than paying for the insurance? His answer was quite simple, they will fix that by raising the penalty. In another question he was asked if he felt ACA was in a death spiral. He didn’t answer the question, but squarely placed blame o the current problem on Senator Marco Rubio who was responsible for cutting a key provision from the bill designed to bail out the insurance companies if it became necessary. Wow, the Congress did do something in the past eight years. By the way, Senator Rubio merely wrote the provision out of the bill, it was voted on and approved by the entire Congress, that included Democrats as we’ll as Republicans.

Dr. Ezekiel (I fondly refer to him as Dr. Death because he is the one who invented the death panel) also bragged about how the government is already benefitting by reduced health care costs of a trillion dollars because of the ACA. It is my opinion that if a trillion has been saved it is because of all the people who are paying high premiums with very high dollar deductible policies. The bottom line: Health care costs are still spiraling out of control no matter what Ezekiel says, about the same number of people are uninsured today as were before, except they are now different people, and the government controlled health care system called the VA is in trouble because of a top heavy bureaucracy, and poor management.

In the second Presidential Debate last Sunday, Hillary argued the Republicans want to repeal the bill and start over, she was in favor of keeping it and living with the nightmares. In fact she commented “what do you want to do, hand it back to the insurance companies?”  Excuse me Hillary, but back when most Senators were holding townhall meetings to sell the ACA to their constituents, my Senator, Tricky Dickie Durban, opted out of town halls because he was holding very important meetings with Insurance companies. To me that smells like a government collusion with the insurance companies already.

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This story is hard to believe, but is probably very real.

**************************

I’m a 54-year old consulting engineer and make between $60,000 and $125,000 per year, depending on how hard I work and whether or not there are work projects out there for me. My girlfriend is 61 and makes about $18,000 per year, working as a part-time mail clerk.

For me, making $60,000 a year, under ObamaCare, the cheapest, lowest grade policy I can buy, which also happens to impose a $5,000 deductible, costs $482 per month. For my girlfriend, the same exact policy, same deductible, costs $1 per month. That’s right, $1 per month. I’m not making this up. Don’t believe me? Just go to

<http://www.coveredca.gov/&gt;
> http://www.coveredca.gov/
> the ObamaCare website for California and enter the parameters I’ve mentioned above and see for yourself. By the way, my zip code is 93940. You’ll need to enter that.
> So OK, clearly ObamaCare is a scheme that involves putting the cost burden of healthcare onto the middle and upper-income wage earners. But there’s a lot more to it. Stick with me. And before I make my next points, I’d like you to think about something: I live in Monterey County, in Central California. We have a large land mass but just 426,000 residents – about the population of Colorado Springs or the city of Omaha. But we do have a large Hispanic population, including a large number of illegal aliens, and to serve this group we have Natividad Medical Center, a massive, Federally subsidized county medical complex that takes up an area about one-third the size of the Chrysler Corporation automobile assembly plant in Belvedere, Illinois (per Google Earth).  Natividad has state-of-the-art operating rooms, Computed Tomography and Magnetic Resonance Imaging, fully equipped, 24 hour emergency room, and much more. If you have no insurance, if you’ve been in a drive-by shooting or have overdosed on crack cocaine, this is where you go. And it’s essentially free, because almost everyone who ends up in the ER is uninsured.

Last year, 2,735 babies were born at Natividad. 32% of these were born to out-of-wedlock teenage mothers, 93% of which were Hispanic. Less than 20% could demonstrate proof of citizenship, and 71% listed their native language as Spanish. Of these 876 births, only 40 were covered under [any kind of] private health insurance. The taxpayers paid for the other 836. And in case you were wondering about the entire population -all 2,735 births – less than 24% involved insured coverage or even partial payment on behalf of the patient to the hospital in exchange for services. Keep this in mind as we move forward.
>
> Now consider this, If I want to upgrade my policy to a low-deductible premium policy, such as what I had with my last employer, my cost is $886 per month, but my girlfriend can upgrade her policy to the very same level, for just $4 per month. That’s right, $4 per month. $48 per year for a zero-deductible, premium healthcare policy – the kind of thing you get when you work at IBM (except of course, IBM employees pay an average of $170 per month out of pocket for their coverage).

I mean, it’s bad enough that I will be forced to subsidize the ObamaCare scheme in the first place. But even if I agreed with the basic scheme, which of course I do not, I would never agree to subsidize premium policies. If I have to pay $482 a month for a budget policy, I sure as hell do not want the guy I’m subsidizing to get a better policy, for less than 1% of what I have to fork out each month for a low-end policy. Why must I pay $482 per month for something the other guy gets for a dollar? And why should the other guy get to buy an $886 policy for $4 a month? Think about this: I have to pay $10,632 a year for the same thing that the other guy can get for $48. $10,000 of net income is 60 days of full time work as an engineer; $48 is something I could make collecting aluminum cans and plastic bottles, one day a month.
>Are you with me on this? Are you starting to get an idea what ObamaCare is really about ObamaCare is not about dealing with inequities in the healthcare system. That’s just the cover story. The real story is that it is a massive, political power grab. Do you think anyone who can insure himself with a premium policy for $4 a month will vote for anyone but the political party that provides him such a deal?  ObamaCare is about enabling, subsidizing, and expanding the Left’s political power base, at taxpayer expense. Why would I vote for anyone but a Democrat if I can have babies for $4 a month?
For that matter, why would I go to college or strive for a better job or income if it means I have to pay real money for healthcare coverage? Heck, why study engineering when I can be a schlub for $20K per year and buy a new F-150 with all the money I’m saving?
>
And think about those $4-a-month babies – think in terms of propagation models. Think of just how many babies will be born to irresponsible, under-educated mothers. Will we get a new crop of brain surgeons and particle physicists from the dollar baby club, or will we need more cops, criminal courts and prisons? One thing you can be certain of: At $4 a month, they’ll multiply, and multiply, and multiply.

ObamaCare: It’s all about political power. Remember folks, November 2016 is just around the corner. If  you want to continue this kind of redistribution of wealth, then don’t “forward” this email. But if you are sick and tired of the money grab by the current administration, then “forward” this email to everyone in your Address Book. VOTE IN 2016!!!!

> One of the penalties for refusing to participate in politics
> is that you end up being governed by your inferiors.
> Plato

One Response

  1. They say millions more now have insurance but if you look at the “copper plan” it is so limited it’s like not having insurance at all. The say you have choice . Yeah: you can afford it or you cannot afford it. I used to lament over my advancing years but am thankful for medicare and my supplemental and don’t have to agonize over this. But my 2017 Part D drug carrier’s new co-pay system will cost father and me at least an extra $600 a year each and we take just tier 1 medications.

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